Insurance Claims in Knoxville, TN

What Are Insurance Claims?

Filing an insurance claim in Knoxville, Tennessee can be a stressful process. Every policy is different, and insurance companies may not pay you what you deserve. In some cases, hiring an insurance claim attorney is necessary. This page breaks down the nuances of  different types of insurance claims.

What Is a Property Insurance Claim?

A homeowner’s insurance policy is an agreement to protect the home from damage under specific occurrences. When you as a policyholder suffer a loss, you should find a dedicated Knoxville, Tennessee property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your property.

If the insurer denies coverage or delays, policyholders should consult a property insurance attorney about a bad faith claim. If your claim goes to court and you win, you can often recover your court costs, attorney fees, and coverage benefits. There is also the possibility of recovering more money depending on the state laws under which you file your claim.

What Types Of Damage Claims Apply to Property Insurance?

Specific geographic regions impact the design of insurance policies. For example, Florida property insurance policies have more provisions for hurricanes versus earthquakes.

Common property damage claims in Knoxville can consist of fire and lightning claims, theft, and wind and hail. Water damage has also become a very common claim. However, residents should be active with their homeowner’s policy, and stay up to date. WATE ABC 6 reports that a woman residing in Knoxville recently found out that her insurance policy was canceled out from under her, for the third time.

How to File a Property Insurance Claim in Knoxville, Tennessee

After you suffer a loss, you must contact your insurer as soon as possible. Taking this step begins the insurance claim process and gets things moving along. You need to notify your insurance company in writing or over the phone. From there, your insurer appoints a claim representative.

What to Expect Afterwards

According to WalletHub, insurance companies in Knoxville are under no set legal timeline in which they must pay a claim. Rather, they have to pay claims within a “reasonable amount of time”. However, you should maintain or monitor the situation to make sure the insurance company is not acting in bad faith. This happens when a company purposely tries to drag out the situation, or refuses in general to pay a legitimate claim.

The Tennessee Department of Commerce and Insurance states that over $4 million was returned to policyholders in the first 6 months of 2021. This was due to claims being denied that should not have been. If you feel an insurer is operating in bad faith, you should seek the counsel of an experienced Knoxville attorney.

What Is an Auto Insurance Claim?

Auto insurance claims involve requesting compensation from an auto insurer after an accident. Car accidents are incredibly stressful, especially if there are uncooperative responsible parties. However, your insurer’s job is to work on your behalf to secure compensation for repairs, injuries and other expenses.

What Do You Do After a Car Accident?

The Tennessee Auto Liability Program instructs you on what to do in the aftermath of an auto accident. The most important thing to remember is to remain calm. You should always:

  • Remain on the scene. Never flee the scene of an accident
  • Call emergency services if needed
  • Take copious photos and gather information
  • Be careful not to admit fault or promise reimbursement to anyone on the scene. Fault is a matter for the courts.

Once you have taken care of everything on the scene, you should contact your insurance provider as soon as possible.

Auto Claims Adjuster

Your auto insurance company will assign a claims adjuster to your claim report. Your adjuster acts as your representation in any mediation between you and all other involved parties. This insurance representative bears responsibility for investigating the claim and seeing that you receive compensation for any repairs or injuries.

Whether there are repair claims, personal injury claims, or you are dealing with someone who does not have insurance, your auto insurance adjuster should see you through the process. Your claims adjuster may recommend a garage to handle your vehicle repairs. They may also make arrangements for a rental vehicle if required. The most important thing to note is that your auto claim adjuster is your primary point of contact regarding the status of your claim in Knoxville.

Health Insurance Claims

Knoxville, Tennessee policyholders file health insurance claims when they seek reimbursement for medical services or treatments. When you obtain a medical service from a provider, your health insurance carrier should become notified directly. If there are any discrepancies in your claim, consider hiring a health insurance claim specialist attorney.

How Do You File a Health Claim in Knoxville, Tennessee?

There are two ways to file a health insurance claim on your behalf. The first is the medical facility notifies your insurer for you. You may be able to walk out of the facility without spending anything, but that depends on your policy. The other way is to file a health insurance claim yourself. Taking this route can occur when a health provider you use is not in your provider network. The facility may still file the claim on your behalf, but you may need to file it yourself.

While Knoxville residents have health insurance claims filed for them by the medical provider, you may find yourself in a position where you have to file the claim for yourself. This can happen when you receive treatment outside your network. It may also happen with crossover claims. According to the Division of TennCare, crossover claims occur when both Medicare and Medicaid can be billed. Medicare takes part of the expense, and Medicaid is billed for any remaining deductible.

Work with an Experienced Local Insurance Lawyer in Knoxville, Tennessee.

If your health insurance provider refuses to honor a claim, seek out a qualified Knoxville insurance claim attorney’s help. An insurance claim attorney can help if you have been improperly denied coverage or sent a bill for a service you never received. We can even help you connect with an attorney across Tennessee state lines.

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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